
523 Hatherly St
Ctop 80%Vista, CA 92083
Pass at asking: -$6,351/mo full cashflow at 20% down, 7.36% rate.
Works at $548,932 (60% under asking), or at 87% down.
Rent $5,448/mo from 41 leases of houses within 2 mi, size-adjusted ($5,322–$6,177).
Beds
6
Baths
5
Sqft
3,426
Year Built
2003
Days on Market
164
Property Type
Single Family
HOA/mo
N/A
MLS ID
260013265SD
This property is in Vista (92083). Browse neighborhood analytics →
About This Property
Welcome to your dream home in Vista, CA—an exceptional custom-built luxury residence tucked away on a peaceful cul-de-sac with NO HOA. This turnkey, multi-generational estate offers 6 bedrooms, 5 bathrooms, an attached ADU, and the rare flexibility to convert the primary bedroom suite into an additional ADU if desired. Whether you’re accommodating extended family or exploring rental income opportunities, this home adapts beautifully to your needs. Set on an expansive 0.3-acre lot, this 3,426 sq. ft. property showcases sweeping views, modern upgrades, and highly versatile living spaces designed for comfort, style, and functionality. The remodeled gourmet kitchen is a true showpiece, featuring high-end stainless steel appliances, custom cabinetry, and luxury finishes perfect for both everyday living and effortless entertaining. Throughout the home, you’ll find spacious bedrooms, spa-inspired updated bathrooms, hardwood floors, travertine tile, and premium upgrades that elevate every room. A bonus room with its own private balcony offers the ideal setting for a home office, gym, media room, or entertainment lounge. The attached ADU with a private entrance plus the option to create a second ADU adds exceptional value, privacy, and long-term flexibility. Step outside to your own private outdoor oasis, complete with a patio, built-in BBQ area, and two driveways with RV parking perfect for embracing the best of California indoor-outdoor living. Located just 5.5 miles from the beach, this prime Vista location offers quick access to shopping, dining, parks, and top-rated schools.
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Est. Monthly Payment
$9,396
Location
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Zoned Schools
Elementary
Grapevine Elementary · grades K-5 · Vista Unified
Middle
Madison Middle · grades 6-8 · Vista Unified
High
Rancho Buena Vista High · grades 9-12 · Vista Unified
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
4 comps foundThis Property
$5,448
Comp Average
$4,981
1340 Dorsey Way
4bd / 3ba · 2,256 sqft · Single Family
$879K
Est. $4,500/mo
1512 Leonis Pl
6bd / 2.5ba · 3,580 sqft · Single Family
$1.27M
Est. $5,829/mo
1229 Sandra Circle
4bd / 3.5ba · 3,034 sqft · Single Family
$1.20M
Est. $5,045/mo
1228 Tower Drive
5bd / 3ba · 2,690 sqft · Single Family
$1.10M
Est. $4,548/mo
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
41 leases of houses within 2 mi, size-adjusted · $5,322–$6,177
Blended 50/50 with a property-level estimate
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$6,351/mo short at 20% down; 87% down or +$8,248/mo rent closes it.
- Break-even price
- $548,932
- Break-even rent
- $13,696/mo
- Cashflow at 35% down
- −$4,923/mo
- Down payment to break even
- 87%
- Rate to break even
- Not reachable
60% under asking
$8,248/mo above the estimate
$1,200,600 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.36% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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